电信运营商移动支付发展研究

摘要

The paper ifrst elaborated the development of China’s mobile payment, gave a detailed analysis of the payment business development in the three major telecom operators (China Mobile, China Unicom, and China Telecom), discussing the advantages and disadvantages of each operator by objective comparison, and then concentrated on the comparison of NFC and RF-SIM in the near ifeld payment. Based on the current situation of the operators, the paper put forward reasonable suggestions with consideration of the national policies and operators’ strategies.%在阐述我国移动支付发展的基础上，详细分析了三大电信运营商（中国移动、中国联通、中国电信）的移动支付业务进程，客观对比分析了三大电信运营商移动支付发展情况及优缺点，重点比较了近场支付中NFC与RF-SIM技术。在阐述三大电信运营商移动支付发展现状的基础上，结合国家政策、运营商策略等方面，提出合理化发展建议。